Call reports 2007
CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. — 2007
What CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,242,000 | 165,278,000 | 169,511,000 | 172,922,000 |
| Total loans | 105,463,000 | 109,259,000 | 109,546,000 | 109,763,000 |
| Allowance for loan losses | 1,103,000 | 1,131,000 | 1,165,000 | 1,165,000 |
| Securities available for sale | 45,882,000 | 40,570,000 | 45,612,000 | 45,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,658,000 | 145,725,000 | 149,479,000 | 153,237,000 |
| Interest-bearing deposits | 125,860,000 | 125,257,000 | 129,444,000 | 134,585,000 |
| Noninterest-bearing deposits | 18,798,000 | 20,468,000 | 20,035,000 | 18,652,000 |
| Equity capital | 17,034,000 | 16,974,000 | 17,364,000 | 17,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,412,000 | 4,933,000 | 7,499,000 | 10,082,000 |
| Interest expense | 1,034,000 | 2,078,000 | 3,165,000 | 4,267,000 |
| Net interest income | 1,378,000 | 2,855,000 | 4,334,000 | 5,815,000 |
| Noninterest income | 146,000 | 298,000 | 449,000 | 594,000 |
| Noninterest expense | 875,000 | 1,811,000 | 2,737,000 | 3,756,000 |
| Provision for loan losses | 32,000 | 63,000 | 95,000 | 126,000 |
| Pretax income | 617,000 | 1,272,000 | 1,933,000 | 2,498,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 612,000 | 1,267,000 | 1,928,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,299,000 | 17,335,000 | 17,312,000 | 17,332,000 |
| Total capital | 18,402,000 | 18,466,000 | 18,477,000 | 18,497,000 |
| Risk-weighted assets | 118,661,000 | 121,336,000 | 123,901,000 | 124,395,000 |
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